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Our rankings are earned, not bought. We analyze 2,347 lenders using federal HMDA data—no pay-to-play, no cherry-picking. You see the best options based on performance metrics, not advertising dollars.

Best Mortgage Lenders in Boise City

Updated February 5, 2026

Market Overview

107

Total Lenders

12,455

Total Loans

0.20%

Median Rate Spread

Rank	Lender	Overall	Pricing	Pull Through	Place	Avg Fees	Spread	Volume
1	UNITED WHOLESALE MORTGAGE, LLC	Strong	Sound	Exceptional	Exceptional	$3,164	+0.008%	1,119
2	U.S. Bank National Association	Strong	Strong	Strong	Strong	$1,133	+0.037%	194
3	NAVY FEDERAL CREDIT UNION	Strong	Exceptional	Sound	Sound	$1,301	-0.644%	55
4	IDAHO CENTRAL CREDIT UNION	Strong	Sound	Strong	Exceptional	$2,087	+0.104%	1,435
5	Zions Bancorporation, N.A.	Strong	Strong	Sound	Strong	$3,414	-0.185%	128
6	FIRST COLONY MORTGAGE CORPORATION	Strong	Sound	Exceptional	Strong	$2,825	+0.251%	98
7	KeyBank National Association	Strong	Strong	Strong	Sound	$2,306	+0.013%	43
8	FIRST TECHNOLOGY FEDERAL CREDIT UNION	Strong	Strong	Strong	Sound	$172	+0.264%	32
9	ROCKET MORTGAGE, LLC	Strong	Acceptable	Exceptional	Exceptional	$4,431	+0.118%	845
10	GUILD MORTGAGE COMPANY LLC	Strong	Acceptable	Exceptional	Exceptional	$4,911	+0.278%	719
11	LOANDEPOT.COM, LLC	Strong	Sound	Strong	Strong	$4,903	+0.194%	336
12	GUARANTEED RATE, INC.	Strong	Sound	Strong	Strong	$3,229	+0.114%	315
13	PENNYMAC LOAN SERVICES, LLC	Strong	Sound	Strong	Strong	$2,731	+0.006%	185
14	JPMorgan Chase Bank, National Association	Strong	Sound	Strong	Strong	$2,802	+0.119%	110
15	ARK-LA-TEX FINANCIAL SERVICES, LLC.	Strong	Sound	Exceptional	Sound	$2,596	-0.016%	57
16	Wells Fargo Bank, National Association	Strong	Strong	Sound	Sound	$2,369	-0.044%	54
17	MOVEMENT MORTGAGE, LLC	Strong	Acceptable	Exceptional	Strong	$4,488	+0.304%	430
18	Synergy One Lending, Inc.	Strong	Acceptable	Strong	Exceptional	$5,006	+0.213%	350
19	FAIRWAY INDEPENDENT MORTGAGE CORPORATION	Strong	Acceptable	Exceptional	Strong	$5,019	+0.289%	324
20	CMG MORTGAGE, INC.	Strong	Acceptable	Exceptional	Strong	$3,871	+0.203%	179
21	PRIMELENDING, A PLAINSCAPITAL COMPANY	Strong	Acceptable	Exceptional	Strong	$4,530	+0.107%	173
22	MUTUAL OF OMAHA MORTGAGE, INC.	Strong	Sound	Sound	Strong	$3,249	+0.167%	131
23	Mountain America Federal Credit Union	Strong	Sound	Sound	Strong	$4,166	-0.106%	105
24	FREEDOM MORTGAGE CORPORATION	Strong	Sound	Strong	Sound	$3,738	+0.285%	67
25	BAY EQUITY LLC	Strong	Sound	Strong	Sound	$4,461	+0.276%	59
26	MY MOVE MORTGAGE, LLC	Strong	Sound	Strong	Sound	$4,273	+0.031%	48
27	PIONEER FEDERAL CREDIT UNION	Strong	Sound	Sound	Strong	$3,074	+0.063%	36
28	First Federal Savings Bank of Twin Falls	Strong	Sound	Strong	Sound	$3,322	-0.161%	30
29	EVERGREEN MONEYSOURCE MORTGAGE COMPANY	Strong	Mediocre	Exceptional	Exceptional	$6,070	+0.458%	332
30	Sunflower Bank, National Association	Strong	Acceptable	Strong	Strong	$4,343	+0.225%	162
31	CROSSCOUNTRY MORTGAGE, LLC	Strong	Acceptable	Strong	Strong	$4,918	+0.342%	150
32	CLM MORTGAGE, INC.	Strong	Acceptable	Strong	Strong	$5,998	+0.039%	141
33	CAPITAL EDUCATORS FEDERAL CREDIT UNION	Strong	Sound	Acceptable	Strong	$3,722	-0.410%	86
34	THE LOAN STORE, INC.	Strong	Acceptable	Strong	Strong	$2,721	+0.159%	81
35	KIND LENDING, LLC	Strong	Acceptable	Strong	Strong	$2,993	+0.269%	80
36	Bank of England	Strong	Acceptable	Strong	Strong	$2,590	+0.125%	70
37	UNION HOME MORTGAGE CORP.	Strong	Acceptable	Exceptional	Sound	$3,958	+0.357%	46
38	USAA Federal Savings Bank	Strong	Sound	Sound	Sound	$1,664	-0.116%	27
39	PREMIER MORTGAGE RESOURCES, L.L.C.	Sound	Mediocre	Strong	Exceptional	$5,507	+0.194%	570
40	AMERICAN PACIFIC MORTGAGE CORPORATION	Sound	Mediocre	Exceptional	Strong	$5,493	+0.308%	306
41	NEW AMERICAN FUNDING, LLC	Sound	Acceptable	Sound	Strong	$4,965	+0.452%	89
42	JMJ FINANCIAL GROUP	Sound	Acceptable	Sound	Strong	$4,366	+0.472%	85
43	RIGHT START MORTGAGE, INC.	Sound	Mediocre	Exceptional	Strong	$7,285	+0.728%	67
44	Plains Commerce Bank	Sound	Acceptable	Strong	Sound	$3,928	+0.019%	65
45	NATIONSTAR MORTGAGE LLC	Sound	Acceptable	Strong	Sound	$3,780	-0.023%	58
46	Paramount Residential Mortgage Group, Inc.	Sound	Acceptable	Strong	Sound	$3,833	+0.123%	34
47	D. L. EVANS BANK	Sound	Acceptable	Strong	Sound	$4,376	-0.024%	32
48	Sierra Pacific Mortgage Company, Inc.	Sound	Acceptable	Strong	Sound	$3,162	-0.132%	29
49	NATIONS DIRECT MORTGAGE, LLC	Sound	Acceptable	Strong	Sound	$2,974	-0.075%	27

How We Rank Lenders

Our rankings use geometric mean scoring across equally-weighted categories. This rewards lenders who perform consistently well across all metrics, not just excel in one area.

Our Point System (Max 30 Points)

Pricing

Rate and fee competitiveness (33%)

Pull Through

Reliability in closing loans (33%)

Place

Local market expertise (33%)

Data Integrity & Updates

Data is updated quarterly based on the latest HMDA filings and proprietary SafeRate analysis. All metrics are calculated using standardized methodologies to ensure fair comparison across lenders.

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